क्या है FD Loan लेना, यहां जानें क्यों है फायदे का सौदा

Aishwarya Awasthi Jul 03,2024

फिकस्ड डिपॉजिट निवेश का सिक्योर ऑप्शन माना जाता है.

[{"selector":"#anim-745ce29d-bb44-4008-9282-20f4e7ca0517","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-17509876-c7d8-447c-b20b-900d508f331b","keyframes":{"transform":["translate3d(0px, 195.61674%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6f74d405-6994-463c-8951-e54cd411297b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-16.202125178048036%, -21.413962954647%) scale(1.4310344827586206)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

एफडी के जरिए लोग पैसों को सुरक्षित करवाते हैं.

[{"selector":"#anim-a02203cd-324e-49ac-914d-f0f6ace0a813","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-076015af-5b38-4c1f-a00e-aa174a88b94f","keyframes":{"transform":["translate3d(0px, 183.67152%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8bc050b3-4417-4a11-9975-8126a5cd6100 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(24.94792599961022%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

कई बार पैसे की अचानक जरूरत होने पर एफडी को मैच्योर होने से पहले तोड़ देते हैं.

[{"selector":"#anim-07f9687a-4e66-40c6-8758-0ee33f0c26b7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3e6b1dba-0a6a-4826-873f-a1905bbbabaf","keyframes":{"transform":["translate3d(0px, 305.94690%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-165cebdc-77cf-4902-a90a-efba46e0dc95 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-5.9453973993434275%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इससे लोगों को नुकसान का भी सामना करना पड़ता है.

[{"selector":"#anim-6b5cf221-b778-48af-9c2d-3e1be170289e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4c42926b-db7e-46c5-b018-72bb9fc426d4","keyframes":{"transform":["translate3d(0px, 188.27728%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-33f6bc4b-22a5-4cf6-b946-73daf566eff5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-11.83995630191297%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ऐसे में एफडी तुड़वाने से बेहतर है एफडी लोन लेना.

[{"selector":"#anim-252aa5de-f49b-460c-a533-87e1c9cc2f0d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c6598ae2-e860-4bcd-abdf-768e40600529","keyframes":{"transform":["translate3d(0px, 195.61674%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-15837d39-a2db-489a-a735-a64ab8bf283c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

तो आज हम जानेंगे क्या होता है एफडी लोन.

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एफडी की कुल राशि में से 90 फीसदी तक का लोन ले सकते हैं.

[{"selector":"#anim-a28dfb3f-261c-4a4b-92ee-f0a4d5f0dc2a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a859e314-8214-45b4-970f-ff57dda9eb7a","keyframes":{"transform":["translate3d(0px, 187.35986%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a79ac8f-c80c-4e65-94ef-b0aebcaa6b1b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(2.1742607714259066e-12%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अगर 1 लाख रुपये की एफडी ली है तो 90,000 रुपये का लोन ले सकते हैं.

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एफडी लोन में 1 से 2 फीसदी का इंटरेस्ट देना होगा.

[{"selector":"#anim-53f265b3-d02d-4301-8140-4baef1631fa7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5ade2c35-bcea-4315-a982-25cf0d2ad25b","keyframes":{"transform":["translate3d(0px, 187.35986%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-58ef9101-acb8-4143-8cf1-f4fbb4084200 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

एफडी पर 4% का ब्याज मिल रहा है तो लोन पर 5 से 6% तक पर ब्याज देना होगा.

[{"selector":"#anim-9116203f-5fe5-420a-80e1-68372f4f1e98 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(2.1742607714259066e-12%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d650b484-f7be-4228-afdd-32f43b6d5628","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a2199c5-6df6-4fa7-9d77-99172c262102","keyframes":{"transform":["translate3d(0px, 139.87822%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

लोन लेने के बाद एफडी मैच्योर होने पर बैंक लोन की राशि काट ली जाती है.

[{"selector":"#anim-1f59a4f9-659a-420d-bac0-dc58fc49be9e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-4b40b5ab-3e81-43fe-924b-e020dc7cafdc","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-87a4c911-d1a0-4ee4-8a67-4bf5af0d21ab","keyframes":{"transform":["translate3d(0px, 187.35986%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

लोन की राशि काटने के बाद जो राशि बचेगी वो अकाउंट में आाएगी.

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अगर कम पैसों की जरूरत हो तो हमेशा एफडी लोन को चुनें.

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1 लाख रुपये के एफडी पर आसानी से मिलेगा 50,000 रूपये तक का लोन.

[{"selector":"#anim-1e63818a-1268-4e0c-a191-676f60da617a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2952a2fe-08b6-428f-bf14-bb645bd4a782","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d9d72b20-b17a-4990-a0f2-557f6e785fa0","keyframes":{"transform":["translate3d(0px, 187.35986%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.